| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 605151423 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $34K | $34K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | DELTA DENTAL OF WISCONSIN | $4K | — | $4K | 8.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 251 PROGRESS WAY STE 300 WAUNAKEE, WI 53597 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES | 1800 RTE 34 BLDG 4 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $377 | $377 | 3.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 251 PROGRESS WAY STE 300 WAUNAKEE, WI 53597 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1800 RTE 34 BLDG 4 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $305 | $305 | 3.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 606040000 | WYSSTA INSURANCE COMPANY INC | $686 | — | $686 | 8.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 251 PROGRESS WAY STE 300 WAUNAKEE, WI 53597 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $796 | — | $796 | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES | 1800 RTE 34 BLDG 4 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $283 | $283 | 3.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 251 PROGRESS WAY STE 300 WAUNAKEE, WI 53597 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $422 | — | $422 | 10.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES | 1800 RTE 34 BLDG 4 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $148 | $148 | 3.51% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 83 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $688K |
| Dental | DELTA DENTAL OF WISCONSIN | 57 | $49K |
| Vision | WYSSTA INSURANCE COMPANY INC | 40 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $4K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $9K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $688K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.